Enrollment & Contributions

ACC and GTM members in good standing are eligible to enroll in the ACC Retirement Plan. 

Rabbis ordained from HUC-JIR may be eligible through the CCAR (via the GTM) only if they no longer meet RPB's eligibility requirements.

ACC and GTM Members can enroll in the Retirement Plan at any time. There is no waiting period, minimum contribution or weekly working requirement. Online self-enrollment and beneficiary designations are required. 

1. Read the General Information page to learn the basics of the ACC plan. Next, read the Fidelity Enrollment Guide.
2. Sign-up for an ACC 403(b)9 Retirement Plan account with Fidelity by following the instructions on page #1 in the Enrollment Guide. Visit the online enrollment site here.
3. Once you have created a Retirement Plan account, alert the Retirement Plan Administrator. If you are new to the ACC Retirement Plan, be sure to advise the administrator of this, as there is a two-year administrative fee holiday for all new Retirement Plan participants.
4. Work with your employer to complete the Contribution Calculation Form and the Elective Deferral Form for salary deferrals. Once signed, return the forms to the ACC Office.

An elective (salary) deferral is the amount you have withheld from your paycheck and contributed to your retirement account. Currently, most participants are using the pre-tax contribution method for these deferrals. The amount can be calculated as a percentage of your salary or a flat dollar amount. Elective or Salary deferrals are calculated on a calendar year basis and can't be more than your annual salary or the IRS annual elective deferral limits, whichever is less. 

Any plan participant who has an elective (salary) deferral is required to complete the Workplace Savings Plan Contribution form. The form authorizes your employer to establish, change, or cancel the amount you wish to have withheld from your paycheck and contributed to your ACC Retirement Plan account. This form should be turned into your employer with a copy sent to the ACC office.

Employer contributions are the contributions the temple makes to the benefit of the participant for their retirement. Employer contributions are calculated on a fiscal or contract year and can be paid as yearly, quarterly, monthly, or by paycheck. They must be deposited by the end of the fiscal year. If you receive an employer contribution, you must complete the Annual Contribution Calculation form and return it to the ACC office.  

NOTE: If you are taking an elective deferral and your congregation makes your employer contribution on a yearly, quarterly, monthly, or per-paycheck basis, regardless of your salary deferral status, your employer contribution will need to be tracked on a calendar year basis. Also please note, if you are taking an elective deferral and an employer contribution, both the Workplace Savings Plan Contribution form and the Annual Contribution Calculation form must be completed and returned to the ACC.

For Employer Contributions: 

Whether your employer retirement contribution is being made in a lump sum payment, quarterly, monthly, or bi-monthly, the contributions should be made by the end of the fiscal year. Employer contributions need to be received and processed no later than November 30th to ensure proper crediting to the account before the end of the year. 

The two main factors to consider are: 

• Make sure that the entire employer contribution is made over the course of the calendar or fiscal year, pick one and stick to it! 
• The IRS annual contribution limits are adhered to on a calendar year basis.

Salary Deferral Contributions:

Your salary deferral contributions must be made to the plan after each payroll.

Employee salary deferral can't be pre-paid or to post-pay salary deferrals as “hold for monthly/quarterly payment.” They must be transmitted to your retirement plan account by your congregation in a “timely manner” which the IRS has defined as “by the 15th of the month following the payroll from which the salary deferral was withheld.” By your congregation using the SCP system for all of your contributions, your money is invested in a far more timely and secure manner. 

Salary deferrals are made on a calendar year basis and must not exceed the IRS yearly limits, which also include temple contributions.

ACH is presently the most efficient way available to make these contributions. It remains your responsibility to verify each deposit. Your contribution is usually posted to your account three (3) business days following the submission. 

Log into www.netbenefits.com/atwork to verify your deposit has been completed.